HDFC bank shall have huge data and if monetised appropriately will be really nice, instead of the annoying calls everyday for loans AI can be really helpful, most of the fintechs that are able to expand rapidly do on the basis of tech/digital moat, the only issue I find in them is they are focusing on the bettering their tech, even after the recent updates the app is still poor with frequent crashes and if it can dominate through tech it will be the most dominant banks in physical as well as digital capabilities.
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